Because heat exchanger consists of many circular tubes, the analysis of local heat transfer and pressure drop at the surrounding of circular tubes, performance and calculation of size, economics play important roles in design. In this study, This study conducted experiment and analysis in order to observe convective heat transfer coefficient LMTD (logarithm mean temperature difference) and pressure losses according to water temperature and air flow rate using a cross flow heat exchanger of staggered arrangement. This heat exchanger was composed of staggered arrangement for five rows and seven columns of tube banks, and the condition of experiment and analysis are $40{sim}65^{circ}C$ of water temperature and $5.0{sim}12.3m^3/s$ of air flow rate. As a result of it, since air density decreases as water temperature and flow rate increases, Reynolds number decreases with characteristics of low flow velocity but mean heat transfer coefficient increases with air flow rate increase, heat transfer performance has been improved and pressure losses decreased. And since heat transfer rate shows about 8~12% and pressure drop around 0.01~7.5% error as the analysis result, the feasibility of this study could be evaluated.